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Security report for transactpro.eu

SIA Transact Pro · Finance · Latvia

Medium risk. 5 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

69/100

Risk levelMedium

0–100, higher is better. How it is calculated

SIA Transact Pro is a licensed electronic money institution based in Latvia, operating since 2004. It provides comprehensive payment services including card issuing, payment processing, and gateway services primarily targeting corporate clients and merchants. The company is a principal member of major payment networks such as Visa and Mastercard and is affiliated with Transact Bank N.A. The website reflects a mature business with clear service offerings and regulatory compliance. Technically, the site uses modern analytics and security tools, including Google Tag Manager, Google Analytics, and reCAPTCHA, and enforces HTTPS with PCI DSS Level 1 compliance. However, it lacks publicly available privacy and security policies, incident response contacts, and vulnerability disclosure mechanisms, which are important for transparency and trust in the financial sector. Overall, the website is professional, secure, and trustworthy, with room for improvement in privacy compliance and security communication.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

5 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  3. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1
    • High

      SSL Certificate Expires Soon

      SSL certificate expires in 27 days

      What to do: Renew SSL certificate before expiration

      • NIS2 21(2)(h)
      • IR 2024/2690 9.2(c): Implementing Regulation (EU) 2024/2690, Annex point 9.2(c): Cryptography
      • NIST SC-17: NIST SP 800-53 Rev. 5 SC-17: Public Key Infrastructure Certificates

Need hands-on remediation? Email guard@offseq.com

Keep watching transactpro.eu

This scan found 22 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

Email alerts on material changes and an exportable JSON history of every change.

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Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
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  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
52
Security headers
50
Email security
70
DNS health
75
Network security
100
GDPR outside view
68
Average
69

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Transact Pro holds a strong market position as the first licensed electronic money institution in Latvia, offering a broad range of payment services including debit, credit, prepaid, gift, loyalty, and virtual cards. Its business model focuses on B2B services, supporting e-commerce and corporate clients with payment acceptance and card issuance. The affiliation with Transact Bank N.A. and principal memberships in Visa and Mastercard enhance its credibility and operational capabilities. The company targets businesses needing secure and compliant payment solutions, with a focus on the European market. The website content and news updates indicate ongoing product development and capital growth, signaling a stable and growing enterprise.

Security posture

The website demonstrates a solid security posture with HTTPS enforcement, PCI DSS Level 1 certification, and use of Google reCAPTCHA to protect forms. Cookie consent mechanisms are implemented, and third-party analytics tools are used with opt-out options provided. However, the absence of explicit security policies, incident response contacts, and vulnerability disclosure information limits transparency. No security headers were detected in the HTML content, suggesting potential for enhancement. No vulnerabilities or exposed sensitive data were found. Overall, the security maturity is good but could be improved by publishing formal security documentation and enhancing HTTP security headers.

Recommendations

  1. Publish a comprehensive privacy policy and terms of service pages to improve transparency and GDPR compliance.
  2. Add a dedicated security policy page including incident response procedures and contact information.
  3. Implement and publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  4. Enhance HTTP security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  5. Improve website accessibility features to meet higher standards and broaden user inclusivity.

Contact details published on the site

Addresses
Legal name
SIA Transact Pro
VAT number
LV41503033127
Registration number
41503033127
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
SIA Transact Pro
Description
Transact Pro is Latvia-based licensed provider of payment card issuing, acquiring and online payment acceptance tailored services. It is the first licensed electronic money institution in Latvia with the right to render payment services, authorized by the Bank of Latvia. It is an affiliate of Transact Bank N.A. and a principal member of Visa, Mastercard, SWIFT, and SEPA.
Key services
Payment processing, Card issuing (debit, credit, prepaid, gift, loyalty, virtual cards), Payment gateway services, Risk management, SWIFT and SEPA payments, Chargeback management
Content quality
good
Branding
consistent

Technology

Stack
Google Tag Manager, Google Analytics, Google reCAPTCHA, Yandex Metrica, jQuery Validator
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Google reCAPTCHA for forms
  • PCI DSS Level 1 compliance stated
  • Cookie consent mechanism implemented

Analytics and tracking

Services
Google Analytics, Yandex Metrica
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Yandex Metrica
Transparency
good

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is professionally designed and well-structured.
  2. Clear presentation of services and licensing information.
  3. Comprehensive cookie policy with consent mechanism.
  4. No explicit privacy policy or terms of service pages found.
  5. Contact information is complete and consistent.
  6. Use of modern analytics and tracking tools with opt-out information.
  7. No visible security vulnerabilities or exposed sensitive data.
  8. No incident response or vulnerability disclosure information publicly available.
Technical notes

Notes

The website uses a modern technology stack including Google Tag Manager, Google Analytics, Google reCAPTCHA, and Yandex Metrica for analytics and security. The HTML structure is valid and supports responsive design with mobile optimization. Performance is moderate with room for improvement. SEO is well addressed with proper meta tags and Open Graph data. No CMS or hosting provider is explicitly identified. The site uses SVG icons for logos and UI elements, contributing to a clean and scalable design. Technical debt appears low, but security header implementation and accessibility could be enhanced to reduce risks and improve compliance.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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